{"id":7385,"date":"2015-08-08T04:50:46","date_gmt":"2015-08-08T04:50:46","guid":{"rendered":"https:\/\/centax.dsoftware.vn\/?p=7385"},"modified":"2015-08-10T05:07:56","modified_gmt":"2015-08-10T05:07:56","slug":"giai-phap-nang-cao-hieu-qua-tin-dung-doi-voi-nguoi-ngheo-tai-ngan-hang-chinh-sach-xa-hoi","status":"publish","type":"post","link":"https:\/\/centax.dsoftware.vn\/?p=7385","title":{"rendered":"Gi\u1ea3i ph\u00e1p n\u00e2ng cao hi\u1ec7u qu\u1ea3 t\u00edn d\u1ee5ng \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi ngh\u00e8o t\u1ea1i Ng\u00e2n h\u00e0ng Ch\u00ednh s\u00e1ch x\u00e3 h\u1ed9i"},"content":{"rendered":"

L\u01afU \u00dd<\/span><\/strong><\/span><\/p>\n

B\u1ea1n \u0111\u1ecdc k\u00e9o xu\u1ed1ng cu\u1ed1i b\u00e0i vi\u1ebft \u1ea5n v\u00e0o ph\u1ea7n t\u1ea3i files<\/span> \u0111\u1ec3 l\u01b0u gi\u1eef t\u1eadp tin v\u1ec1 m\u00e1y t\u00ednh c\u00e1 nh\u00e2n.
\n<\/span><\/strong><\/em><\/span>_____________________________________________<\/strong><\/span><\/p>\n

\"171-03\"<\/a>L\u1edcI M\u1ede \u0110\u1ea6U<\/span><\/strong><\/p>\n

\u0110\u00f3i ngh\u00e8o l\u00e0 m\u1ed9t v\u1ea5n \u0111\u1ec1 x\u00e3 h\u1ed9i mang t\u00ednh to\u00e0n c\u1ea7u. Nh\u1eefng n\u0103m g\u1ea7n \u0111\u00e2y, nh\u1edd c\u00f3 ch\u00ednh s\u00e1ch \u0111\u1ed5i m\u1edbi, n\u1ec1n kinh t\u1ebf n\u01b0\u1edbc ta t\u0103ng tr\u01b0\u1edfng nhanh\u00a0; \u0111\u1ea1i b\u1ed9 ph\u1eadn \u0111\u1eddi s\u1ed1ng nh\u00e2n d\u00e2n \u0111\u00e3 \u0111\u01b0\u1ee3c t\u0103ng l\u00ean m\u1ed9t c\u00e1ch r\u00f5 r\u1ec7t. Song, m\u1ed9t b\u1ed9 ph\u1eadn kh\u00f4ng nh\u1ecf d\u00e2n c\u01b0, \u0111\u1eb7c bi\u1ec7t d\u00e2n c\u01b0 \u1edf v\u00f9ng cao, v\u00f9ng s\u00e2u v\u00f9ng xa\u2026\u0111ang ch\u1ecbu c\u1ea3nh ngh\u00e8o \u0111\u00f3i, ch\u01b0a \u0111\u1ea3m b\u1ea3o \u0111\u01b0\u1ee3c nh\u1eefng \u0111i\u1ec1u ki\u1ec7n t\u1ed1i thi\u1ec3u c\u1ee7a cu\u1ed9c s\u1ed1ng. S\u1ef1 ph\u00e2n h\u00f3a gi\u1ea7u ngh\u00e8o \u0111ang di\u1ec5n ra m\u1ea1nh, l\u00e0 v\u1ea5n \u0111\u1ec1 x\u00e3 h\u1ed9i c\u1ea7n \u0111\u01b0\u1ee3c quan t\u00e2m. Ch\u00ednh v\u00ec l\u1ebd \u0111\u00f3 ch\u01b0\u01a1ng tr\u00ecnh x\u00f3a \u0111\u00f3i gi\u1ea3m ngh\u00e8o l\u00e0 m\u1ed9t trong nh\u1eefng gi\u1ea3i ph\u00e1p quan tr\u1ecdng h\u00e0ng \u0111\u1ea7u c\u1ee7a chi\u1ebfn l\u01b0\u1ee3c ph\u00e1t tri\u1ec3n kinh t\u1ebf x\u00e3 h\u1ed9i n\u01b0\u1edbc ta.<\/span><\/p>\n

C\u00f3 nhi\u1ec1u nguy\u00ean nh\u00e2n d\u1eabn t\u1edbi \u0111\u00f3i ngh\u00e8o, trong \u0111\u00f3 c\u00f3 m\u1ed9t nguy\u00ean nh\u00e2n quan tr\u1ecdng \u0111\u00f3 l\u00e0\u00a0: Thi\u1ebfu v\u1ed1n s\u1ea3n xu\u1ea5t kinh doanh, ch\u00ednh v\u00ec v\u1eady \u0110\u1ea3ng v\u00e0 Nh\u00e0 n\u01b0\u1edbc ta \u0111\u00e3 x\u00e1c \u0111\u1ecbnh t\u00edn d\u1ee5ng Ng\u00e2n h\u00e0ng l\u00e0 m\u1ed9t m\u1eaft x\u00edch kh\u00f4ng th\u1ec3 thi\u1ebfu trong h\u1ec7 th\u1ed1ng c\u00e1c ch\u00ednh s\u00e1ch ph\u00e1t tri\u1ec3n kinh t\u1ebf x\u00e3 h\u1ed9i xo\u00e1 \u0111\u00f3i gi\u1ea3m ngh\u00e8o c\u1ee7a Vi\u1ec7t Nam.<\/span><\/p>\n

Xu\u1ea5t ph\u00e1t t\u1eeb nh\u1eefng y\u00eau c\u1ea7u \u0111\u00f2i h\u1ecfi tr\u00ean \u0111\u00e2y, ng\u00e0y 4 th\u00e1ng 10 n\u0103m 2002\u00a0; Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7 \u0111\u00e3 c\u00f3 quy\u1ebft \u0111\u1ecbnh s\u1ed1 131\/TTg th\u00e0nh l\u1eadp Ng\u00e2n h\u00e0ng\u00a0 Ch\u00ednh s\u00e1ch x\u00e3 h\u1ed9i, tr\u00ean c\u01a1 s\u1edf t\u1ed5 ch\u1ee9c l\u1ea1i Ng\u00e2n h\u00e0ng Ph\u1ee5c v\u1ee5 ng\u01b0\u1eddi ngh\u00e8o tr\u01b0\u1edbc \u0111\u00e2y \u0111\u1ec3 th\u1ef1c hi\u1ec7n nhi\u1ec7m v\u1ee5 cho vay h\u1ed9 ngh\u00e8o v\u00e0 c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng ch\u00ednh s\u00e1ch kh\u00e1c.<\/span><\/p>\n

Trong q\u00faa tr\u00ecnh cho vay h\u1ed9 ngh\u00e8o th\u1eddi gian qua cho th\u1ea5y n\u1ed5i l\u00ean v\u1ea5n \u0111\u1ec1 l\u00e0 hi\u1ec7u qu\u1ea3 v\u1ed1n t\u00edn d\u1ee5ng c\u00f2n th\u1ea5p l\u00e0m \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn ch\u1ea5t l\u01b0\u1ee3ng t\u00edn d\u1ee5ng ph\u1ee5c v\u1ee5 ng\u01b0\u1eddi ngh\u00e8o. V\u00ec v\u1eady, l\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 ng\u01b0\u1eddi ngh\u00e8o nh\u1eadn \u0111\u01b0\u1ee3c v\u00e0 s\u1eed d\u1ee5ng c\u00f3 hi\u1ec7u qu\u1ea3 v\u1ed1n vay\u00a0; ch\u1ea5t l\u01b0\u1ee3ng t\u00edn d\u1ee5ng \u0111\u01b0\u1ee3c n\u00e2ng cao nh\u1eb1m b\u1ea3o \u0111\u1ea3m cho s\u1ef1 ph\u00e1t tri\u1ec3n b\u1ec1n v\u1eefng c\u1ee7a ngu\u1ed3n v\u1ed1n t\u00edn d\u1ee5ng, \u0111\u1ed3ng th\u1eddi ng\u01b0\u1eddi ngh\u00e8o tho\u00e1t kh\u1ecfi c\u1ea3nh ngh\u00e8o \u0111\u00f3i l\u00e0 m\u1ed9t v\u1ea5n \u0111\u1ec1 \u0111\u01b0\u1ee3c c\u1ea3 x\u00e3 h\u1ed9i quan t\u00e2m. Chuy\u00ean \u0111\u1ec1 v\u1edbi \u0111\u1ec1 t\u00e0i\u00a0“Gi\u1ea3i ph\u00e1p n\u00e2ng cao hi\u1ec7u qu\u1ea3 t\u00edn d\u1ee5ng \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi ngh\u00e8o t\u1ea1i Ng\u00e2n h\u00e0ng Ch\u00ednh s\u00e1ch x\u00e3 h\u1ed9i”. \u00a0Nh\u1eb1m nghi\u00ean c\u1ee9u \u0111\u1ec1 xu\u1ea5t m\u1ed9t s\u1ed1 gi\u1ea3i ph\u00e1p gi\u1ea3i quy\u1ebft v\u1ea5n \u0111\u1ec1 trong ho\u1ea1t \u0111\u1ed9ng cho vay ng\u01b0\u1eddi ngh\u00e8o.<\/span><\/p>\n

M\u1ee5c \u0111\u00edch nghi\u00ean c\u1ee9u c\u1ee7a chuy\u00ean \u0111\u1ec1 nh\u1eb1m \u0111\u00f3ng g\u00f3p nh\u1eefng lu\u1eadn c\u1ee9 khoa h\u1ecdc, \u0111\u1ec1 xu\u1ea5t c\u00e1c quan \u0111i\u1ec3m v\u00e0 c\u00e1c gi\u1ea3i ph\u00e1p \u0111\u1ec3 n\u00e2ng cao h\u01a1n n\u1eefa hi\u1ec7u qu\u1ea3 t\u00edn d\u1ee5ng \u0111\u1ed1i v\u1edbi h\u1ed9 ngh\u00e8o t\u1ea1i NHCSXH. Th\u1ef1c ti\u1ec5n cho th\u1ea5y ch\u00ednh s\u00e1ch t\u00edn d\u1ee5ng \u01b0u \u0111\u00e3i h\u1ed9 ngh\u00e8o c\u00f3 hi\u1ec7u qu\u1ea3 thi\u1ebft th\u1ef1c, g\u00f3p ph\u1ea7n \u1ed5n \u0111\u1ecbnh v\u00e0 ph\u00e1t tri\u1ec3n\u00a0 kinh t\u1ebf x\u00e3 h\u1ed9i, kh\u1eb3ng \u0111\u1ecbnh ch\u1ee7 tr\u01b0\u01a1ng, ch\u00ednh s\u00e1ch \u0111\u00fang \u0111\u1eafn c\u1ee7a \u0110\u1ea3ng v\u00e0 Nh\u00e0 n\u01b0\u1edbc v\u1ec1 ch\u01b0\u01a1ng tr\u00ecnh qu\u1ed1c gia xo\u00e1 \u0111\u00f3i gi\u1ea3m ngh\u00e8o.<\/span><\/p>\n

Ng\u00e2n h\u00e0ng Ch\u00ednh s\u00e1ch X\u00e3 h\u1ed9i \u0111\u01b0\u1ee3c th\u00e0nh l\u1eadp theo quy\u1ebft \u0111\u1ecbnh s\u1ed1 131\/2002\/Q\u0110-TTg ng\u00e0y 04 th\u00e1ng 10 n\u0103m 2002 c\u1ee7a Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7 tr\u00ean c\u01a1 s\u1edf t\u1ed5 ch\u1ee9c l\u1ea1i Ng\u00e2n h\u00e0ng Ph\u1ee5c v\u1ee5 ng\u01b0\u1eddi ngh\u00e8o \u0111\u1ec3 th\u1ef1c hi\u1ec7n ch\u00ednh s\u00e1ch t\u00edn d\u1ee5ng \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi ngh\u00e8o v\u00e0 c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng ch\u00ednh s\u00e1ch kh\u00e1c nh\u01b0: Cho vay h\u1ed9 ngh\u00e8o; cho vay v\u1ed1n \u0111\u1ec3 gi\u1ea3i quy\u1ebft vi\u1ec7c l\u00e0m; cho vay \u0111\u1ed1i v\u1edbi h\u1ecdc sinh sinh vi\u00ean c\u00f3 ho\u00e0n c\u1ea3nh kh\u00f3 kh\u0103n; c\u00e1c t\u1ed5 ch\u1ee9c kinh t\u1ebf v\u00e0 h\u1ed9 s\u1ea3n xu\u1ea5t kinh doanh thu\u1ed9c H\u1ea3i \u0111\u1ea3o; thu\u1ed9c khu v\u1ef1c II, III mi\u1ec1n n\u00fai v\u00e0\u00a0 thu\u1ed9c Ch\u01b0\u01a1ng tr\u00ecnh Ph\u00e1t tri\u1ec3n kinh t\u1ebf x\u00e3 h\u1ed9i c\u00e1c x\u00e3 \u0111\u1eb7c bi\u1ec7t kh\u00f3 kh\u0103n mi\u1ec1n n\u00fai, v\u00f9ng s\u00e2u, v\u00f9ng xa;\u00a0 c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng ch\u00ednh s\u00e1ch \u0111i lao \u0111\u1ed9ng c\u00f3 th\u1eddi h\u1ea1n \u1edf n\u01b0\u1edbc ngo\u00e0i; v\u00e0 c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng kh\u00e1c khi c\u00f3 quy\u1ebft \u0111\u1ecbnh c\u1ee7a Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7. \u0110\u00e2y l\u00e0 m\u1ed9t v\u1ea5n \u0111\u1ec1 nghi\u00ean c\u1ee9u r\u1ea5t m\u1edbi, r\u1ed9ng n\u00ean \u0111\u1ec1 t\u00e0i ch\u1ec9 t\u1eadp trung ph\u00e2n t\u00edch \u0111\u00e1nh gi\u00e1 hi\u1ec7u qu\u1ea3 t\u00edn d\u1ee5ng c\u1ee7a NHCSXH cho \u0111\u1ed1i t\u01b0\u1ee3ng vay v\u1ed1n l\u00e0 h\u1ed9 ngh\u00e8o trong th\u1eddi gian t\u1eeb 1996 \u0111\u1ebfn n\u0103m 2002, \u0111\u00e2y l\u00e0 \u0111\u1ed1i t\u01b0\u1ee3ng ph\u1ee5c v\u1ee5 c\u1ee7a Ng\u00e2n h\u00e0ng ph\u1ee5c v\u1ee5 ng\u01b0\u1eddi ngh\u00e8o tr\u01b0\u1edbc \u0111\u00e2y v\u00e0 hi\u1ec7n nay l\u00e0 NHCSXH.<\/span><\/p>\n

Ngo\u00e0i ph\u1ea7n m\u1edf \u0111\u1ea7u v\u00e0 k\u1ebft lu\u1eadn b\u1ea3n chuy\u00ean \u0111\u1ec1 \u0111\u01b0\u1ee3c k\u1ebft c\u1ea5u th\u00e0nh 3 ch\u01b0\u01a1ng.<\/span>
\nCh\u01b0\u01a1ng 1: Vai tr\u00f2 c\u1ee7a t\u00edn d\u1ee5ng \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi ngh\u00e8o v\u00e0 s\u1ef1 c\u1ea7n thi\u1ebft ph\u1ea3i n\u00e2ng cao hi\u1ec7u qu\u1ea3 t\u00edn d\u1ee5ng trong ho\u1ea1t \u0111\u1ed9ng cho vay c\u1ee7a Ng\u00e2n h\u00e0ng Ch\u00ednh s\u00e1ch x\u00e3 h\u1ed9i.<\/span><\/em>
\nCh\u01b0\u01a1ng 2: Th\u1ef1c tr\u1ea1ng hi\u1ec7u qu\u1ea3 t\u00edn d\u1ee5ng trong ho\u1ea1t \u0111\u1ed9ng cho vay h\u1ed9 ngh\u00e8o c\u1ee7a Ng\u00e2n h\u00e0ng Ch\u00ednh s\u00e1ch X\u00e3 h\u1ed9i.<\/span><\/em>
\nCh\u01b0\u01a1ng 3: M\u1ed9t s\u1ed1 Gi\u1ea3i ph\u00e1p n\u00e2ng cao hi\u1ec7u qu\u1ea3 t\u00edn d\u1ee5ng \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi ngh\u00e8o t\u1ea1i Ng\u00e2n h\u00e0ng Ch\u00ednh s\u00e1ch x\u00e3 h\u1ed9i
\n<\/span><\/em><\/p>\n

<\/h2>\n","protected":false},"excerpt":{"rendered":"

K\u1ebf to\u00e1n Centax xin gi\u1edbi thi\u1ec7u b\u00e0i lu\u1eadn v\u0103n chuy\u00ean \u0111\u1ec1 : Gi\u1ea3i ph\u00e1p n\u00e2ng cao hi\u1ec7u qu\u1ea3 t\u00edn d\u1ee5ng \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi ngh\u00e8o t\u1ea1i Ng\u00e2n h\u00e0ng Ch\u00ednh s\u00e1ch x\u00e3 h\u1ed9i<\/p>\n","protected":false},"author":7,"featured_media":7602,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"tags":[887],"_links":{"self":[{"href":"https:\/\/centax.dsoftware.vn\/index.php?rest_route=\/wp\/v2\/posts\/7385"}],"collection":[{"href":"https:\/\/centax.dsoftware.vn\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/centax.dsoftware.vn\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/centax.dsoftware.vn\/index.php?rest_route=\/wp\/v2\/users\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/centax.dsoftware.vn\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=7385"}],"version-history":[{"count":0,"href":"https:\/\/centax.dsoftware.vn\/index.php?rest_route=\/wp\/v2\/posts\/7385\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/centax.dsoftware.vn\/index.php?rest_route=\/wp\/v2\/media\/7602"}],"wp:attachment":[{"href":"https:\/\/centax.dsoftware.vn\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=7385"}],"wp:term":[{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/centax.dsoftware.vn\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=7385"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}